Boerne Business Monthly - February 2019

Volume 11, Issue 08: February 2019

BOERNE business monthly

More Than A Store – A Mission

A NEW ERA IN HEALTHCARE SERVICES FOR BUSINESSES

LOCAL NEWS AND INFO

ARE YOU FINANCIALLY PREPARED TO SEND YOUR KIDS TO COLLEGE?

SMART businesses annually review their employees to analyze and improve performance.

SMARTER businesses annually review their technology for the same reason.

Keeping up with technology can be a full-time job.

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Stocks Bonds ETFs Retirement & Social Security Analysis

Mutual Funds Alternative Investments Roth Conversion Analysis Education Planning boernebusinessmonthly.com

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publisher's note February is here! This month is usually a fun one, filled with hearts, candy and flowers and fun events like the San Antonio Stock Show and Rodeo.

February is also probably one of my busiest months as well, I think just about every person I know has a birthday this month!! Well, maybe not everybody, but it sure seems like one big, non-stop birthday party!

This issue we feature one of my favorite new local shops, Boerne Farmhouse. Step inside and embrace your inner Joanna Gaines as you shop their unique collection of beautiful salvaged architectural elements and home goods. Turn to page 16 to read all about the story behind this great new Boerne business.

Also in this issue, we take a look at Cibolo Family Medicine and see why many businesses are

turning to Direct Primary Care for their employees.

Do you have kids that will attend college in the future?

Kelly Boswell, CPA and Tax Manager at ADKF shares with us a great article with helpful tips on how to save money when sending your kids to college. Even if your kids are little, take note of her suggestions because it will be here before you know it!

There is plenty to do this month in and around Boerne, so be sure to check out the Calendar of Events, read up on all the exciting news from local businesses and check out the Ribbon Cuttings to see what new businesses have come to town!

I hope you all have a great month and please enjoy this February issue of Boerne Business Monthly!

Lauren Stumberg Publisher

FOR MORE INFORMATION 210.219.6735 | LAUREN@DISTINCT-GRAPHICS.COM | WWW.BOERNEBUSINESSMONTHLY.COM

LAUREN STUMBERG

advertise in BBM!

PUBLISHER

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Don't Let 2019 Slip Away!

Contact Us TODAY to Learn More About How Boerne Business Monthly Can Help Your Business Get the Local Exposure It Needs!

CALL (210) 219-6735 OR EMAIL ADVERTISE@DISTINCT-GRAPHICS.COM FOR MORE INFO ON ADVERTISING YOUR BUSINESS IN BOERNE BUSINESS MONTHLY.

B oerne B usiness M onthly | February 2019

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boernebusinessmonthly.com

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contents

February 2019

A B A N K T H AT K N O W S YO U B Y N A M E .

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O R , I F YO U P R E F E R ,

BY USERNAME.

08:

healthcare

A New Era in Healthcare Services for Businesses courtesy of Cibolo Family Medicine

We meet you where you are with our top-rated app, by answering the phone 24/7 and with bankers who actually want to make your life better.

Visit us at 1300 South Main Street or call (830) 249-6663.

MEMBER FDIC

• 2D/3D MAMMOGRAPHY • BREAST/BODY ULTRASONOGRAPHY

• ULTRASOUND/ STEREOTACTIC GUIDED BIOPSIES

14:

calendar of events

15:

growth

16:

cover feature

22:

technology

23:

newsworthy

25:

did you know?

25:

employment

26:

entrepreneurship

28:

finances

30:

ribbon cuttings

SUZANNE DABBOUS, MD

BOARD CERTIFIED RADIOLOGIST

Now Open in Boerne!

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accolades

• BONE DENSITOMETRY

(210)826-2666 | AVESTEEIMAGING.COM ALAMO HEIGHTS 303 W. SUNSET RD. SUITE #200 SAN ANTONIO,TX 78209

10:

BOERNE 1580 S. MAIN ST. SUITE #105 BOERNE,TX 78006

WESTOVER HILLS 9842 WESTOVER HILLS BLVD., SUITE #101 SAN ANTONIO,TX 78251

B oerne B usiness M onthly | February 2019

Local Marketing Agency Wins International Award for Website Redesign

Census Estimates: Texas Leads Nation in Population Growth Boerne Farmhouse: More Than A Store – A Mission GVTC: New 2019 Fiber Speeds Now Available Nationally Renowned Educational and Environmental Strategist Joins Cibolo Nature Center & Farm Team February Fun Facts

Texas Job Growth Slowing in 2019 Texas Ranks No. 1 for Women Entrepreneurs Are You Financially Prepared for Your Child to Go to College?

facebook.com/boernebusinessmonthly Boerne Business Monthly is published by Distinct Media, LLC, copyright 2019. Reproduction is strictly prohibited without prior consent of the publisher. Opinions expressed in Boerne Business Monthly are those of the writers or sources and do not necessarily represent the views of the publisher, nor do they constitute the endorsement of products or services herein. Although the information and recommendations in this publication have been compiled from sources believed to be reliable, Boerne Business Monthly makes no guarantee as to, and assumes no responsibility for, the correctness, sufficiency or completeness of such information and recommendations.

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healthcare

A New Era in Healthcare Services for Businesses

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A growing number of businesses are moving to an innovative model for healthcare for their employees called Direct Primary Care. This model is gaining popularity among both individuals and businesses who want to provide their employees with better health care, and save money at the same time. Direct Primary Care (DPC) is an innovative alternative payment model providing incredible access to a personal physician with a with a simple, flat, affordable membership fee.

Too often, talk of healthcare is focused on insurance rather than care. It’s less about how the doctor treats your family or employees, and more about who pays the bill. Almost no one can get a straight answer about the price of procedures or medicines. DPC is promising a revolution in consumer choice by bypassing insurance altogether, and it’s catching on across the country .

One DPC patient remarked. “After one quick phone call, an appointment was scheduled for the very next day. Because the doctor wasn’t rushed to see dozens of patients, he took

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B oerne B usiness M onthly | February 2019

his time and answered every question I had.

Then, the bill for the visit was paid before I left. There was no insurance follow-up, no co-pay, and no need to file any additional paperwork. It was as if I was paying the doctor for providing the service directly, rather than the middlemen required in the current insurance racket”.

Rather than relying on insurance for ordinary health expenses, these new doctor clinics rely on monthly fees from patients, usually around $100. Extra services and tests are often included free with a membership, but if not, the prices for these are transparent and don’t vary depending on your plan. By not accepting insurance of any type, each clinic saves on administrative costs and overhead, prioritizing patients over costly insurers. The results are just as intended: lower costs, more preventive care, and more face time with medical professionals.

In a recent study, businesses who switched from traditional fee-for-service primary care with the more comprehensive Direct Primary Care model realized: • 53% decrease in ER visits • 16% decrease in in-patient hospital days • 58% decrease in higher-cost specialist visits • 66% decrease in advanced radiology/ imaging • 77% decrease in surgeries The total change financially in this study was $2000 per employee per year in health

care savings!

The appeal of providing concierge-style medicine for your employees is another bonus of DPC. Imagine being able to tell all of your current and future employees that they have access to their doctor by phone, text, or email—access all day, every day, even on weekends. Knowing that they have a personal physician at their fingertips is a pretty strong recruiting and retention tool.

Happy, healthy, productive employees are a dream of every business owner. When this can be achieved in a low-cost way, the owners really win big. Dr. Sara Stuart, of Cibolo Family Medicine in Boerne and San Antonio says, “with a membership at Cibolo Family Medicine, minor injuries at the workplace are no longer a reason for an ER visit. We can see your employees quickly at no extra cost, usually the same day. Members also receive access to their primary care physician 24 hours a day by phone, even after hours.”

Judy Cozine of North Attleborough, Mass., says of her DPC doctor: “It’s like having a doctor in the family. I texted her on Christmas Eve, and she got back to me in 10 minutes.”

DPC physicians usually recommend that you take out a highdeductible health insurance policy intended for disasters and emergencies, and sign-up for a monthly direct primary care plan.

That way, you’re covered in extreme circumstances with the highdeductible plan, but can also have preventive care with the doctor’s visits at the direct primary care clinic. Insurance providers offer reduced rates for businesses providing direct primary care to their employees. You can also pair DPC memberships with a healthsharing plan, which are becoming more available every day, and are gaining in popularity with businesses for their employees.BBM

Dr. Sara Stuart

Dr. Jamie Wiseman

Dr. Marita Rios

Dr. Kevin Hodnett

is joining Exercise and play in a space designed to inspire you!

Katie Perry, the owner and lead fitness instructor of B Well Health and Fitness, has been working in this field for over 8 years. She has a strong passion for helping her clients achieve a healthy lifestyle by finding balance with nutrition and physical fitness.This passion is shown throughout her studio and her certified fitness instructors. She is certified in personal training, group fitness, Pilates mat, Pilates reformer, yoga, barre, and spin. Katie is excited to announce she will be joining the team at Core Athletic Club in April as its new Fitness Director, where she will be heading up the group fitness and personal training programs, providing the same first-class offerings and instruction the Boerne community has grown accustomed to at B Well.

Core Athletic Club is a family-owned and operated, full-service health club located on River Road across from Champion high school. With 14,000 square feet of space, Core will offer a wide variety of equipment and

amenities, including a full line of strength equipment and free weights; stateof-the-art cardio equipment; child care; luxurious men’s and women’s locker rooms featuring steam rooms, private showers, and changing rooms; and an incredible smoothie, beer, and wine bar where members can enjoy their morning coffee, reward themselves with a post-workout smoothie, or indulge with a beer or glass of wine or champagne. The Club also features two group fitness studios where Katie will integrate the classes currently offered at B Well, including spin, yoga, barre, interval training and so much more. Katie and the team at Core plan to build upon and expand B Well’s current offerings in the new facility, and cannot wait to unveil Core’s group fitness program to their clients and the Boerne community. Core is scheduled to begin pre-registration in late February and open in April.

core athletic club is located at1580 River Road – Boerne | coreathleticclubboerne.com boernebusinessmonthly.com

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Local Marketing Agency Wins International Award for Website Redesign

To say that a lot of work goes into creating and managing a website is an understatement. For Penguin Suits Inc., designing, building and overseeing the functionality of a website is a talent the 15-year old marketing and advertising agency takes pride in.

So when Learning Foundations, a cognitive training center for children who struggle with learning difficulties, approached the expert web developers and designers at Penguin Suits for a new website, the reputable agency knew just what to give them.

Starting with the original website, Learning Foundations trusted Penguin Suits Inc. to revamp their site and create a user-friendly platform.

Tossing the old and messy site aside, Penguin Suits developed a far better website that would make it easier for clients to find the help they needed in Learning Foundations. The website replacement resulted in a clearer and more consistent platform that currently allows the cognitive training center to reap the benefits of an increased flux in the number of families who join. “Working with Penguin Suits has been a great experience. The team's initiative to understand what we do and what our clients need, has been the underlying factor in getting the results

we were looking for from our website.” said Sofia Scarnati, Director of Administration for Learning Foundations.

Penguin Suits takes pride in delivering exceptional quality of work in everything they do, reflecting their brand promise of telling your story so the world can prize you the way that Penguin Suits does. And winning the 2018 MarCom Gold Award in the category of Digital Media Website Redesign for Learning Foundations makes sharing their clients’ stories with the world more gratifying. Being recognized by Marcom, the International Competition for Marketing and Communication Professionals, is an honor for the Boerne marketing and advertising agency and will only motivate the company to keep their wheel of innovation spinning.

ABOUT PENGUIN SUITS: Penguin Suits is a results-oriented advertising agency devoted to consistent and effective lead generation!

As creative authors of great brand messaging, we use our 60+ years of cumulative experience, and innovatively create new lead generation strategies. We handle the marketing and lead generation, so you can focus on running your company. BBM

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David Gray

VP Member Business Lending

1440 South Main 210.561.4578  davidg@utxcu.com utxcu.com

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B oerne B usiness M onthly | February 2019

The Boerne Small Join us for this community-wide Business Block Party event that wil allow Sponsored by

>>>>>>>>>>>>>>>>>>

local businesses the chance to connect with new clientele!

March 9th, 2019 4:00pm to 8:00pm 103 E. Kronkosky – boerne, texas Event is Benefitting www.TheBoerneBlockPar ty.com

FOOD, DRINK & ENT ERTAINMENT wil be provided!!

For more information on event sponsorship, contact Raven @ (210)428-0194 boernebusinessmonthly.com

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Bluebonnet Realty Since 1989

Offering Leasing, Property Management, Sales and Listings!

Check out our properties on our website:

www.BoerneTexasHomes.com (830) 816-2288

Properties for Sale: PRICE REDUCED!

130 Serenity Drive

3 bedroom, 2.5 bath beautiful setting for this garden home on quiet cul-de-sac. $364,000

238 Lone Tree

Immaculate 4 Bedroom/2.1 bath Hill Country home in Boerne. $372,500

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B oerne B usiness M onthly | February 2019

JUDY FILINGERI (830) 816-2288 Leasing & Prop. Mgt.

ANGELA TURNER, BROKER (210) 912-8221

CAREY STEWART (210) 551-2883 Sales & Listings

SUZANNE MCGINNIS (830) 377-5227 Leasing, Sales & Listings

Sales & Listings

Properties for Lease:

Thank You, Boerne 250 English Oaks Cr.

Beautiful 3 bed, 2.5 bath, all appliances included. $2,600

113 Serenity Drive

Sweet 3 bed, 2 bath garden home easy to maintain. $2,200

SOLD!!

364 Menger Springs

Gated community, Custon home on 1.37 acres. Separate quarters. Total 4 bedrooms, 3.5 baths, approx.

4422 s.f. of total living area. $798,000

for Your Continued Confidence in Bluebonnet Realty for 30 Years!

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117 Stonegate N.

3 bed /2 bath over 2,300 s.f. on 1/2 ac lot. $1,900

SOLD!!

113 Serenity Drive

Charming 3/2 BW Baker home on sought after cul-de-sac street. $324,900 boernebusinessmonthly.com

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February 2019

CALENDAR OF EVENTS

FREE INCOME TAX PREPARATION & E-FILING Mondays from 2:00pm to 6:00pm Tuesdays from 1:00pm to 6:00pm Wednesdays from 1:00pm to 6:00pm Patrick Heath Public Library - Upstairs 451 N. Main Street – Boerne AARP volunteers can assist with tax questions and can complete virtually any IRS forms.There are no income or age restrictions. Service is offered on a first-come, first-served basis.Taxpayers must bring a copy of last year's return, photo ID, Social Security Card, and Health Insurance Information.Volunteers are not IRS employees, but are trained and certified by the IRS. For more information, contact Vernon Markworth at vernonm@gvtc.om . Sign-ins for this service begin an hour before the AARP Tax Service starts, each day.

FEBRUARY 2 GROUNDHOG DAY FEBRUARY 8 CHINESE NEW YEAR PERFORMANCE 6:00pm Patrick Heath Public Library Youth Activity Room 451 N. Main Street – Boerne Come to the library to celebrate Chinese New Year with a thrilling performance by the Chinese Culture Performance Association of San Antonio, Chinese Folk Dancers. Clad in precious silks, the dancers will twirl their fans in beautifully patterned dances to mesmerizing music unlike any in the occidental tradition.

FEBRUARY 9 STREAM SATURDAY: CHOCOLATE FACTORY 10:30am Patrick Heath Public Library Youth Activity Room 451 N. Main Street – Boerne Science,Technology, Reading, Engineering, Art, Math Calling all scientists! An exciting hands-on experiments, art, literature and MORE.This month celebrates the City of Boerne’s annual Chocolate Walk with a scrumptious science program that features chocolate activities and experiments.

KUHLMANN – KING MUSEUM TOUR 12:00pm to 3:00pm | 402 E. Blanco – Boerne Cost: Free Located behind Boerne City Hall the KuhlmannKing house gives the public the opportunity to step back in time to see what a historic Boerne home looked like “way back when”. Open every Second Saturday of each month from 12pm-3pm.

Please email to schedule a personalized tour.

(830) 331-1033, bahps@mail.com

SECOND SATURDAY ART BEAT 4:00pm to 8:00pm | Throughout Boerne Take a walk on the art side every second Saturday of the month. Look for the flashy banners displayed throughout Boerne.

FEBRUARY 9-10 MARKET DAYS 10:00am to 5:00pm | Main Plaza 100 North Main – Boerne Handmade arts and crafts, art, woodwork, antiques, collectibles, chic clothing and accessories, vintage, jewelry and more. Great food variety.

Music by local Texas musicians. Pet friendly.

Rain or shine. Free admission.

FEBRUARY 11 KENDALL COUNTY COMMISSIONERS COURT 9:00am to 11:00am Kendall County Courthouse 201 E. San Antonio Ave. – Boerne FEBRUARY 12 CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne NATURAL LIVING WORKSHOP 6:00pm to 7:00pm | Patrick Heath Public Library 451 N. Main Street – Boerne A Natural Living Workshop on Spring Cleaning.

This workshop will introduce you to alternative household cleaning options that are safe to use a nd work well.This workshop is free to attend, but you do need to register.

FEBRUARY 14 VALENTINE’S DAY FEBRUARY 16 AROUND THE WORLD WITH SAGIT! 10:30 am Patrick Heath Public Library Youth Activity Room 451 N. Main Street – Boerne Dance to, sing along with, and experience traditional music from cultures across the world! International jazz multi-instrumentalist Sagit Zilberman will perform an interactive global music program for families and children.This program introduces audience members to instruments such as the didgeridoo, rainstick, tongue drum, handpan, saxophone, and through unique sounds and songs invites them to celebrate and appreciate our diverse planets’ nature, animals and cultures! It also empowers young, and young at heart to use their own voices, rhythm and body as instruments to play and create music with others.

EMPTY BOWLS BENEFIT 11:00am to 2:00pm | Rainbow Senior Center at Kronkosky Place 17 Old San Antonio Road – Boerne Empty Bowls, a grassroots movement to help end hunger, began in 1990 and is personalized within each community by local artists. For $25.00, guests may select a bowl crafted by one of the local artisans along with a serving of soup and bread donated by local Boerne restaurants and caterers.

Only 500 bowls will be available, so purchase your tickets early!

CONCERT IN THE CAVE: FROM BROADWAY WITH LOVE 7:00pm | Cave Without A Name 325 Kreutzberg Road – Boerne A concert in the Cave Without A Name is a musical experience unlike any other. Immerse yourself in the natural acoustics of the Queen’s Throne Room! A Valentine’s celebration featuring everyone’s favorite classic Broadway songs of love plus more recent romantic Broadway hit songs sung by South Texas’ talented performers of the award-winning Allegro Stage Co. Learn more about the performers/program on the Cave Without A Name website: cavewithoutaname.com Cost: $30 in advance, $35 at the door.

FEBRUARY 18 PRESIDENTS’ DAY FEBRUARY 19 GBCC RIBBON CUTTING FOR STARGAZER RANCH 1:30pm to 2:00pm | 6005 W. Ammann Rd. – Bulverde FEBRUARY 20 GBCC RIBBON CUTTING FOR UPTOWN CHIC, PLAZA TAXCO AND BOERNE CORK & KEG 3:45pm to 4:30pm | 153 Main St. – Boerne FEBRUARY 21 GBCC BOERNE AFTER 5 MIXER: PRESENTED BY OFFICE BOX BOERNE 5:00pm to 7:00pm | 1415 E. Blanco Rd. #8 – Boerne LIVE! AT THE LIBRARY: BETHANY BECKER 7:00pm to 9:00pm | Patrick Heath Public Library 451 N. Main Street – Boerne Join the Patrick Heath Public Library every third Thursday of the month for free, live music at their on-site amphitheater! Seating is available, but lawn chairs and picnics are welcome if you like.

Cost: Free

continued on page 21

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B oerne B usiness M onthly | February 2019

growth

Census estimates: Texas leads nation in population growth

U

U.S. Census data released last month shows population growth in the Lone Star State between July 1, 2017, and July 1, 2018, was higher than any other state.

Texas' population i​ncreased by 379,128 in that span, bringing the state's total population to over 28.7 million.

The data showed that Texas had more births than deaths over the time frame and that the population was buoyed by new residents moving from both inside and outside the United States.

The year-over-year growth is rivaled only by Florida, which saw a population increase of 322,513. California ranked third​, adding 157,696.

Texas ranked eighth for percentage growth in the Census statistics at 1.3 percent. Nevada ranked first with a 2.1 percent spike. The state ​​now has just over three million residents.

Of the ten most populous states in the U.S., only Florida (1.5 percent), and Texas and North Carolina (both 1.1 percent) ranked among the top ten in percentage growth. BBM

KEEP CALM AND

2 019 S E AS O N

CARRY ON

FRIDAY FEBRUARY 22

Information courtesy of Austin Business Journal and Real Estate Center Online News.

TUESDAY MARCH 26

FRIDAY APRIL 5 TICKETS: $20-$60 A L L P E R F O R M A N C E S AT 7:30 P M AT B O E R N E C H A M P I O N AU D I TO R I U M

BoernePerformingArts.com 830.331.9079

BBM

boernebusinessmonthly.com

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B oerne B usiness M onthly | February 2019

cover feature

Boerne Farmhouse More Than A Store – A Mission

S

More Than A Store – A Mission

Step inside the newly opened Boerne Farmhouse and you will find much more than just another retail or antique store. Instead, what you will find inside of this charming cabin-like building at the south end of town is a carefully crafted and curated collection of architectural salvaged items and home goods. “From the beginning, we knew we wanted to do more than just ‘sell product’. We wanted to create an experience for our visitors,” said Sylvia Griffin, co-owner of Boerne Farmhouse.

In fact, Sylvia Griffin and Cindy Carr, the mother/daughter duo behind Boerne Farmhouse, spent a full year collecting and finding special pieces from all over the country before they ever opened their doors. “We have filled our store with wonderful, old, thought provoking pieces.

When we can, we try to find their story and pass that on to the new owner,” said Carr.

by Lauren Stumberg | photos by Ron Pritchett

To keep their inventory fresh, the ladies continue to always be on the lookout for unique items for the store. “We have also now established relationships with several “pickers” who travel the country digging through old barns, estates, and basically anywhere they think they might find something cool. They know the type of items we are looking for and will send us pictures along the way to see if it is something we want for the store,” added Cindy.

Carr and Griffin have diverse backgrounds, but have both always had a passion for design. Cindy Carr is Realtor® and is honored to be a member of the Saunders Luxury Group of Realtors, which is part of San Antonio Portfolio Real Estate – Keller Williams. Prior to that, her work history includes seven years in the corporate world of Commercial Lending at Frost continued on page 18

boernebusinessmonthly.com

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continued from page 17

Bank. Carr also owned and operated a successful home décor store in downtown Pleasanton, Texas.

“Staying on-trend of home styles naturally fed my lifelong passion for home decorating and real estate.

It also led to the immensely educational experience of purchasing, renovating and profitably selling seven homes in recent years,” said Carr.

Sylvia Griffin says that she “has always been involved in some type of communication.” As a young graduate of SMU, she worked as a speech therapist, helping people to better express themselves. Later on, as a 40-something doctor’s wife and mother of two, she returned to school to study journalism, which lead to a colorful period of freelance writing. According to Griffin, “The freelance writing eventually evolved to a career in public relations. As a partner in what would become an award-winning PR firm, I had the opportunity to work closely with giants of architecture, interior design and the fine arts.”

While Griffin spent years honing her communications skills, her inner designer was her constant companion. Griffin went on home tours, attended seminars and devoured home magazines. “I built, renovated and decorated – and redecorated –

numerous homes,” said Griffin. “My daughter Cindy and I especially love collaborating on such projects and most recently have been able to work together staging homes for her real estate clients.”

Through the opening of Boerne Farmhouse, both Griffin and Carr have been able to realize their dream of opening a real, brick–and–mortar store together and also feed their lifetime love of design. “Our sense of design is very similar to one another,” added Carr, “When we work together it flows really well and together the end result turns out really great!”

Some of the items that are most prevalent at Boerne Farmhouse are old windows, doors, shutters and antique corbels. “We have all kinds of one-ofa-kind architectural elements throughout the store and we love to help our customers come up with creative solutions and ideas on how to incorporate those items into their spaces,” said Griffin.

In addition to the satisfaction of helping customers incorporate these interesting artifacts into their homes, Carr and Griffin have enjoyed listening to their customers reminisce about the memories that the objects spark. “It has been both heart and soul filling to hear our customers’ memories come back to life,”

said Griffin. “We also learn from the people that come into the store too! Many times we get objects but have no idea what they might be, but sooner or later a customer will come in and know exactly what the item is!”

With so much new construction happening in the Boerne area, Carr and Griffin hope to also be able to work with many of the local builders to help them incorporate some of the old with the new. According to Carr, “Adding in even just a few of these antique elements can add so much character to a new build. If the builders, designers or homeowners will communicate their needs to us during the construction phase we can find them what they need and it can be built it.”

The beauty of Boerne Farmhouse is that most of the store’s contents would likely end up in the landfill, however to Carr and Griffin, these pieces of history aren’t junk, but rather art. They acknowledge the history of these pieces and are giving them new life. “We see the smiles on our customers’ faces as they walk through the door. They seem to sense that this is a special place, one where they can experience the beauty and mystery of old, worn, found objects. It’s a success when we see someone’s eyes light up as they connect with a lovely old architectural fragment or a humble farm relic. That’s when we know that this is more than work – it’s our mission.” BBM

1499 S. Main – Boerne (830) 331-1391

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boernebusinessmonthly.com

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31007 IH-10 W, Ste 109 // Boerne, TX 78006 830.755.5050 • andrew.voiles@raymondjames.com Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC and are not insured by bank insurance, the FDIC or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Westex Investment Services and The Bank & Trust are not registered broker/dealers and are independent of Raymond James Financial Services.

FREE ESTIMATE

(210) 488-1395

Spring Sports Registration

NOW OPEN! BASKETBALL VOLLEYBALL FLAG FOOTBALL SOCCER WITH TORO REGISTRATION ENDS FEBRUARY 17TH, LATE REGISTRATION RUNS FEBRUARY 24TH THRU MARCH 3

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FEBRUARY 2019 CALENDAR OF EVENTS | cont’d FEBRUARY 21 A THIRST FOR NATURE: DARK SKIES 7:00pm | Cibolo Nature Center 140 City Park Road – Boerne $10 for non-members, $8 for members, $5 for children, and Free for children 6 & under Meet up for a nature happy hour at the Cibolo Nature Center and Farm. Enjoy a nightcap while learning about night sky preservation in the Texas Hill Country and how to be better stewards of the night. Guests will explore the importance of dark skies to wildlife and human health, then take a hike in the woods to tune our senses to the night in search of wildlife.Tickets are available online or at the door. www.cibolo.org FEBRUARY 22 TRINITY IRISH DANCE COMPANY 7:30pm | Champion High School Auditorium 201 Charger Blvd. – Boerne A fusion of Ireland’s vibrant and longstanding dance-form and elements of American innovation, Trinity Irish Dance Company dazzles audiences around the globe with its hard-driving percussive power, lightning-fast agility, and aerial grace. Minutes into watching the awe-inspiring precision of its dancers and musicians,TIDC expands whatever notions you may have about Irish dance…revealing its limitless possibilities. It’s everything you expect but like nothing you’d imagine! Tickets $20-$60. www.BoernePerformingArts.com FEBRUARY 23 WREN CEMETERY TALK AND VISIT 10:00am | Patrick Heath Public Library 451 N. Main Street – Boerne During Black History Month, co-hosts Patrick Heath Public Library and Kendall County Historical Commission will take guests to a little known site in Kendall County’s Spring Creek region. One of the largest private cemeteries in the county, the Wren Cemetery was recently recognized by the Texas Historical Commission (THC) as a Historic Texas Cemetery. Please meet on Saturday, February 23rd @10:00 in the PHPL Community Room. After an overview, the group will carpool five miles to the Wren Cemetery. Learn about this historic Kendall County landmark! (830) 249-3053 FEBRUARY 23 - 24 BOERNE SPRING ANTIQUES SHOW 10:00am to 5:00pm | Kendall County Fairgrounds 1307 River Road – Boerne A Real Antiques Show in Boerne,Texas featuring exhibitor booths overflowing with the finest American antiques found in the market today.

Exhibitors gather their treasures from the estates of this great country and save their best for this nationally acclaimed antiques show. Collectors from all over the state, as well as many from out-of-state, find real antiques - no reproductions or imports - to add to their collections or decorate their homes. $5.00 good for both days.

continued on page 27

Serving our Friends and Neighbors of the Hill Country Since 1916

“Where experience and service make the difference” From its beginning in 1916, Kendall County Abstract Company has been Kendall County’s locally owned and operated title company. Over the last 100 years, we’ve earned the trust of real estate professionals because we’re experienced, we’re professional, and we care about our customers.

Ashlee Pfeiffer, Manager

Agent for:

• Stewart Title Guaranty Company • Fidelity National Title • First American Title Insurance • Alamo Title Insurance

830.816.2131 | 830.249.3341 - Fax 103 N. Saunders • Boerne, Texas 78006 (across from the courthouse)

VISIT US AT WWW.KCAC.NET

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A K-12 Certified University-Model® School boernebusinessmonthly.com

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technology

job.

n services ology ludes:

y evaluation at

C.COM

Love Your Hair!

New 2019 Fiber Speeds Now Available 2/7/18 11:28 AM

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GVTC IS SIMPLIFYING ITS FIBER-TO-THE-HOME OFFERINGS WITH A NEW FIBER INTERNET TIER STRUCTURE. As of January 1, 2019, GVTC launched brand new Fiber Internet plans that feature standard download speeds of 250 Mbps in its Fiber-to-the-Home areas. In addition, upgrades to 500 Mbps and 1 Gbps are offered, all three plans featuring 250 Mbps upload speeds as well. New plans are available to both new and existing customers.

This upgrade is intended to enhance the home experience and combat speed issues during prime hours. With the growing demand for streaming capabilities, connected devices, and Smart Home security monitoring, GVTC is offering a solution.

Vice President of Product, Business Development, and Strategic Planning, Josh Pettiette, describes the community benefit of this upgrade, stating, “Our commitment is to provide the best overall user experience, and our new speed tiers leverage Fiber Internet to exceed our customer’s demand for streaming, connecting devices and utilizing smart technology in their homes.“ Say goodbye to the days of 100 Mbps Internet base-plans and hello to ultra-fast Fiber Internet speeds!

About GVTC: GVTC is an award-winning fiber optics communications provider delivering high-speed Internet, digital cable TV, phone and interactive home security monitoring to residential and business customers in far north San Antonio, the Texas Hill Country and South Central Texas. GVTC offers Internet connection speeds up to 1 Gbps and symmetrical broadband connections, up to 250 Mbps. BBM

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B oerne B usiness M onthly | February 2019

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CUTS • COLOR • STYLING Appointment booking available online at

barbiesinboerne.com (210) 330-6676

725 N. Main Street – Boerne, Texas

STYLIST SPACE AVAILABLE!!

Are you a licensed hair stylist? Do you want to be your own boss and manage your own clients? Barbie’s Salon & Spa has an opportunity for you. We’re looking for a few excellent stylists who can call our salon home!

Call (210) 330-6676 for More Info!

newsworthy

Nationally Renowned Educational and Environmental Strategist Joins Cibolo Nature Center & Farm Team

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Margaret Lamar has joined the Cibolo Nature Center & Farm (CNC&F) as the Chief Strategy Officer (CSO). In this position, she will lead and collaborate on key initiatives focusing on programming, fundraising, and conservation. Margaret will be responsible for creating and maintaining an organizationwide strategy, including execution and assessment, to build collaborative initiatives through partnerships and community engagement.

“I’m thrilled to be part of the 30-year tradition of the Cibolo Nature Center & Farm to build on the quality education and stewardship initiatives that support our urgent need for conservation of the natural resources of the Texas Hill Country,” said Margaret. “I look forward to working with the Cibolo team and the many partners and champions to expand our impact as we instill the love and value of nature to ensure that the land, water, wildlife, and surrounding communities thrive.”

A national leader in developing strategies and initiatives to promote access to green spaces and nature, Margaret was previously the Vice President of Strategic Initiatives for the Children & Nature Network, a nonprofit dedicated to promoting health equity through children’s access to nature. Across the U.S., she worked to support collaboration between city governments, schools, and

community leaders to encourage community-driven change. Margaret led teams supporting five national initiatives, including Cities Connecting Children to Nature, Green Schoolyards for Healthy Communities, Nature-Smart Libraries, the Health and Nature Network, and Natural Leaders. These initiatives serve as innovative models for engaging children and families in nature to reverse the growing trend towards the indoor child.

“Margaret is joining our team at an exciting time of growth and planning for future generations. Her expertise and national network will help the CNC&F continue to be a leader in the nature center movement.

We are very excited to have her on board,” said Carolyn Chipman Evans, founder and CEO. Prior to her work with Children & Nature Network, Margaret served as the Director of Education and Community Engagement for Houston Wilderness and designed curriculum for several national programs, including her role as Vice-President of Curriculum Development for Istation, Inc. where she developed interactive online curricula that integrated sciencebased learning with reading intervention. She is a native Texan and can often be found exploring dry creek beds with her two boys in the San Antonio region or on her family farm in Brenham, Texas. BBM

The Cibolo Nature Center & Farm in Boerne is located on 160 acres of natural lands at Boerne City Park off Highway 46 just west of the Kendall County Fairgrounds. The mission of the non-profit CNC & Farm is conservation of natural resources through education and stewardship. For more information, visit www.cibolo.org.

NEW LISTING TOOLS SELL HOMES FASTER! AWARD WINNERS!

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Wiley & Kathy Cloud, Brokers (830) 755-8693 | (210) 710-6601

Real Estate Office:

(830) 755-8693 Career Inquiries (830) 755-8693

boernebusinessmonthly.com

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H Ranch Roads H Chip Seal H Land Clearing

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H Stock Tanks H Septic Systems H Fencing

B oerne B usiness M onthly | February 2019

H Arenas H Metal Buildings H Barns

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did you know?

february fun facts!

• In the Southern Hemisphere February is a summer month, the equivalent of August.

• The birthstone for February is amethyst. The birth flower is the violet or iris.

There are plenty of GOOD REASONS TO PLAN FOR a better tomorrow.

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From low-interest loans to high-yield CDs, Sonora Bank can help you reach your goals.

Visit us today to learn how we can tailor a solution to fit your needs.

• February frequently occurs in lists of the most commonly misspelt words in the English language.

• February is named after the purification ritual Februa, which was a sort of early Roman spring cleaning festival.

• In Old English, February was called Solmonath (Mud month) or Kale-monath (Kale or cabbage month).

• The month of February is the only month that can pass without a full moon, in common years. The most recent time that this happened was in 2018. BBM

SonoraBank.com

Member FDIC

employment

BOERNE | BULVERDE | WIMBERLEY | SAN ANGELO | SONORA

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Texas job growth slowing in 2019

Texas employment will grow 1.1 percent this year, according to the Texas Employment Forecast by the Federal Reserve Bank of Dallas.

The prediction comes after incorporating December 2018's annualized employment growth of 2.5 percent.

According to Dallas Fed Assistant Vice President and Senior Economist Keith R. Phillips, Texas is beginning 2019 with increased uncertainty due to the fourth-quarter decline in oil

prices, trade uncertainty, and volatility in financial markets.

“Economic conditions will likely differ across the state this year as labor constraints limit growth along the I-35 corridor and low oil prices slow growth in oil-producing regions," said Phillips.

Based on the forecast, the state will add 137,000 jobs this year.

Employment in December 2019 will reach 12.8 million.

Information courtesy of Federal Reserve Bank of Dallas and Real Estate Center Online News.BBM

boernebusinessmonthly.com

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entrepreneurship

Texas ranks No. 1 for women entrepreneurs

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The Lone Star State ranked No. 1 in a recent study by FitSmallBusiness.com​ assessing the best places for women entrepreneurs.

Analysts credited the lack of corporate or income taxes as factors elevating Texas to the top spot, along with a high rate of startup growth.

"Texas used to conjure images of cowboys in the Wild West, but it's becoming a startup hot spot with new business increasingly saddling up in the Lone Star State," researchers wrote. "Texas is handsdown one of the nation's top states due to its business-friendly legal and economic climate."

State performance was ranked among four main metric categories: Business/ Climate Opportunity; Opportunity for Women in Business; Economical and Financial; and Health and Safety/Quality of Life.

The metrics comprised both general business environment and gender-specific factors that influence business success and livability for women. BBM

Dr. Sara Stuart

Dr. Jamie Wiseman

Direct Primary Care Custom-Tailored Care Comprehensive Visits No Waiting Same Day Service In-Office Labs

Cibolo Family Medicine

(830) 428-2500

IRT-1948G-A

Boerne & San Antonio

Allyson Munsell

1580 S. Main Street, Ste. 104 Boerne, Texas 78006 830-249-8286

1011 S Main Street Boerne, Texas 78006 830-249-2748

Financial Advisor

Member SIPC

www.CiboloFM.com

Ron Warden

www.edwardjones.com

B oerne B usiness M onthly | February 2019

Dr. Marita Rios

Give your employees and their families amazing healthcare with unlimited visits, no deductibles, and no co-pays.

Isn’t it time your doctor worked for you?

Information courtesy of www.Patch.com and Real Estate Center Online News.

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Dr. Kevin Hodnett

Financial Advisor

FEBRUARY 2019 CALENDAR OF EVENTS | cont’d FEBRUARY 26 GBCC RIBBON CUTTING FOR DESILVA DERMATOLOGY 11:30am to 12:00pm | 120 Old San Antonio Rd. – Boerne CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne FEBRUARY 28 - MARCH 2 JUST BETWEEN FRIENDS February 28, 2019 - 9:00am to 6:00pm March 1, 2019 - 9:00am to 4:00pm March 2, 2019 - 9:00am to 3:00pm Kendall County Fair Grounds 1307 River Road (Hwy 46E) – Boerne Wonderful deals on infant and childrens clothing, gear, and toys as well maternity wear for women.

Cash or card accepted. Bring your own bag, basket, wagon, etc. We provide IKEA bags for shopping, and new ones for purchase. Children and strollers welcome. $3.00 at the door.

MARCH 2 FARMERS MARKET AT THE CIBOLO KICK-OFF! 9:00am to 1:00pm | Herff Farm 33 Herff Road – Boerne Shop fresh local produce, farm fresh eggs, breads, jams, jellies, local honey and Texas Hill Country arts and crafts at the historic Herff Farm at the Cibolo Nature Center in Boerne. Enjoy free live music, gardening classes, cooking demonstrations and children’s craft activities, too.This popular Texas Hill Country outdoors farmers market will be open to the public every Saturday from March 2nd through November. Cost: Free BOERNE BIERFEST HOMEBREWER SHOWDOWN 12:00pm to 5:00pm | Boerne Brewery 9 Hill View Lane – Boerne The countdown to Boerne BierFest begins with an epic party - and you're invited! Boerne Brewery is hosting 15+ local homebrewers as they start custom batches that will be ready to be judged at BierFest on April 6. Grab a beer from the bar and see for yourself how the magic happens! They will have a food truck and Boerne Brewery's tasting room is open for business!

Don't miss this unique opportunity. Hill Country Council for the Arts will be selling tickets to BierFest (on April 6th)--save $5 getting them in advance! BBM

Send Your Calendar of Events Submissions to lauren@distinct-graphics.com

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finances

Are You Financially Prepared for Your Child to Go to College?

I

by Kelly Boswell, CPA, Tax Manager – ADKF

It is said, “don’t blink,” because just like that, your kids are grown. If you blinked, then suddenly you might have one in high school who is starting to think about college or his or her next steps. You may have thought you had more time to save for college, but now here it is. Or you may have just realized you will have two in college at the same time. The theme of this article is for you to learn from my mistakes. Here are some tips to save money on college expenses for your kids.

• Do not demand your child attends college. There are a lot of other things one can do – get a job, join the military, or go to trade school. College is not for everyone.

• If your child does go to college, in-state tuition is less than out-of-state; public is less than private.

• Community colleges are less expensive, and many course credits will transfer. Check the transfer program at the future four-year university as this may impact your selection of a community college.

• Do not change schools! If your student does change schools, research which credits the new school will accept and inquire about transfer student scholarship rules. My daughter transferred from Bowling Green State in Ohio to Texas State and only 18 of her 60 credits transferred. After she transferred in January, we found out that if she waited to start in August with her 4.0 GPA, she would have been a

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B oerne B usiness M onthly | February 2019

candidate for a transfer scholarship which are only offered in the fall.

• Do not change majors. It is expensive, especially if your student has already taken the requirements for one major only to realize that a different class is needed for the new major. Force your college student to meet with an academic advisor on a regular basis, like once a semester. There is a printed plan for each major showing what is needed to graduate. It is organized semester-bysemester, but only an advisor will know when classes will be offered. The advisor can ensure prerequisite classes are done in the correct order and keep the student on the right track.

• Scholarships may be available assuming your student qualifies and is willing to apply for them. Also, check where you work at to see if tuition assistance is offered.

• Loans – There is a reason student loan debt is now higher than credit card debt. It is because student and parent loans are super easy to obtain. All you need to do is fill out the Free Application for Federal Student Aid(FASFA) form. The FAFSA website is free and there is no fee. There are many tips for filling out the FAFSA form. For example, if the college student has a bank account, be sure it is a joint account and list it as the

parent’s asset, not the student’s, because the formula is favorable.

Income is verified through the IRS link and/or tax transcripts. Do not spend your retirement – you cannot take out a parent loan for your retirement.

• Tax credits – There are three major college tuition tax breaks. However, they begin to phase-out at $160,000 of Adjusted Gross Income (AGI), for married filing jointly (MFJ) and are completely phased out if your AGI is over $180,000 (MFJ).

• Tuition is just a small part of the total college expense.

Fees can be as much, if not more, than tuition. The student’s living expenses, if away from home, can really add up. Meal plans are required for students living in the dorm. They are not cheap and don’t always satisfy. If your student lives at home and commutes, there will be gas and parking costs, but it is still less expensive than living on campus. Other expenses include books, fraternity/sorority, trips or semesters abroad, etc.

• If your college student rents, watch out for damage charges on the move out bill. Help your student navigate through leases, deposits, utilities, renter’s insurance and all the other learning opportunities. You may consider buying a second home or rental property, but is your child responsible enough to be a property manager?

• Pets – when did college kids start thinking a pet is a requirement? Yes, your student can afford to get one from the Humane Society or Animal Defense League, but can they afford to feed it, pay for vet bills, toys, damages, etc.? Have this talk with them before you get a grand-dog.

• Keep in mind your younger children. You may be able to pay for your first child’s college education, but will you be able to keep it up when the younger sibling starts in two years? What if one lives at home and commutes but the other goes to an outof-state university and/or plans to get a master’s degree? Do you plan to have criteria like a minimum GPA or pay for four years only? Decide now what you will pay for and if you plan to keep it even between the kids.

• Your college student could get a job, but it is important to evaluate how many hours they can work and still maintain their grades. If you own a business and are giving your college student money or paying college expenses anyway, consider putting them on the payroll. Hiring your children is a nice tax strategy. His or her income becomes a business expense. Not only will you have shifted that money to a lower tax bracket, but some dollars may be sheltered by his or her own standard deduction as well.

If you need assistance with education tax credits, would like consultation with adding children to your payroll or are interested in investing in property in your college student’s future hometown, please contact ADKF. We have tax and business advisors ready to assist you with your needs. BBM Kelly Boswell graduated from Western Kentucky University with a Bachelor’s degree in Accounting.

She has been a Certified Public Accountant since 2007. Kelly is a Tax Manager for Akin, Doherty, Klein & Feuge PC. She is a member of the AICPA, TSCPA and local CPA chapter. Kelly is the Treasurer for San Antonio IISD Foundation and is also a member of the San Antonio Women’s Chamber of Commerce. Kelly lives in San Antonio with her husband and has two grown daughters, both recent college graduates. She also has two grand-dogs.

Akin, Doherty, Klein & Feuge, P.C., helps clients beyond filing their tax returns.

Our team is up-to-date on new tax legislation and use our knowledge to identify tax saving opportunities for individuals and businesses.

We can provide necessary guidance no matter what stage your business is in and always available to help and assist you with all of your tax planning needs.

accounting for your success, we are here for you www.adkf.com | (830) 815-1100 | 616 e. blanco, suite 300e, boerne

building your practice from the ground up

37131 IH 10 – West Frontage Road, Suite 300-2 Boerne, Texas 78006

(830) 428-3022

www.aerialyogaboerne.com

Specializing in all styles of Yoga classes!

We have classes for every BODY! NEW STUDENT SPECIAL $100 – 30 days of unlimited Yoga! boernebusinessmonthly.com

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ribbon cuttings

Greater Boerne Chamber of Commerce January 2019 Ribbon Cuttings

STEMTASTIC STEMtastic owners Dwayne and Janie Sellers held their grand opening at their Boerne location at 18 Scenic Loop Rd., Ste. 200C. This awesome new Boerne business offers hands-on science, technology, engineering and math cirriculum for kids ages 8-14. STEM is an interdisciplinary approach to learning which removes the traditional barriers separating the four disciplines of science, technology, engineering and math, and integrates them into the world with rigorous and relevant learning experiences for students. STEMtastic’s goal is to provide the best STEM learning opportunity to help students to become stronger and more confident and go after their dreams. You can contact Janie and Dwayne at (210) 686-7494 for more information and also visit their website stemtastic.com.

JELLY SPIN STUDIO Owner Teena Connell and her trainers at Jelly Spin Studio take your fitness goals seriously. They understand that losing weight and gaining muscle can be challenging, and their goal is to help you overcome hurdles and reach your goals. With years of success and experience, they are capable of analyzing your body and creating a fitness plan that will help you reach your goals. Most plans include healthy eating and exercise, to ensure the best results for their clients.

Jelly Spin Studio is located at 9091 Fair Oaks Parkway, Ste. 206, Fair Oaks Ranch. You can book a session by calling (214) 695-7977 or going their website jellyspinstudio.com

OPEN MORTGAGE Open Mortgage is a multi-channel mortgage lender that serves thousands of clients annually and they also provide extensive training and support for both retail and partnered loan officers. Senior Loan Officer Lisa Blake has been in real estate for about 15 years and she loves being able to help people get their finances ready and purchase their home. Open Mortgage is located at 138 Old San Antonio Rd., Ste. 204B in Boerne, Texas. Please call Lisa and her team at (830) 443-4299 or visit their website openmortgage.com/lo/lisa-blake# if you wish to apply for a loan.

M. D. BLAKE, CPA Michelle Blake, CPA will gives her clients the one-on-one service they desire and deserve. She has more than 20 years of experience in all areas of compilation and taxation and is eager to help. Michelle holds a CPA licenses in both California and Texas, and is up-to-date on the most current tax laws. For more information about Michelle Blake, CPA and the services she provides, visit her office at 138 Old San Antonio Rd., #204, Boerne, TX 78006 or you can call her at 714-386-6127. Please be sure to visit her website mdblakecpa.com.

HILL COUNTRY PREGNANCY CARE CENTER'S NANNY'S BOUTIQUE'S GRAND OPENING The Hill Pregnancy Care Center celebrated the grand opening of their Nanny's Boutique. Advisory Director Taylor Knopf did the honors of cutting the ribbon at their ceremony. The Nanny's Boutique is where parent can come and take classes and earn items like cribs and children's clothing. The Hill Country Pregnancy Care Center is a non-denominational faith based nonprofit 501(C)(3) organization funded solely by churches, individuals, businesses and fundraising events. They are an affiliate of CareNet, a group that proudly carries on a pro-life tradition. All services are free and offered to anyone in the Hill Country area, including Bandera, Boerne, Bulverde, Comfort, Fredericksburg and Kerrville. To find out more information about the Hill Country Pregnancy Care Center and their new Nanny's Boutique, you can call (830) 249-9717 or visit lifesprecious.org. They are located at 439 Fabra St., Boerne.

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B oerne B usiness M onthly | February 2019

222 S. Main – Boerne, Texas

We Don’t Just Sell Boerne We Live in Boerne!

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Buying or selling a home is more than a transaction. At LoneStar Properties we understand that finding the perfect home isn’t just about the features of the home, its about finding the home that fits you. We understand that selling your home isn’t just putting the listing online and waiting for a buyer, its about putting your home’s best foot forward for the buyer to see. Sara Baird & Carol Schultz know about Boerne, they have lived here, worked here and played here. They can help with more than just finding the home for you, they can tell you about the area, the schools, the places for a great meal and where to take a Sunday Drive. If you want to really “live” in Boerne, then give LoneStar Properties a call. Your Main Street Realtors.

Sara Baird and Carol Schultz

The Cottages on Oak Park A few select lots left!

What Boerne has been waiting for - an extraordinary cottage project within walking distance to the creek, trails, dining & downtown! Several 1 & 2 bedroom designs to choose from ranging in price from $238,500 to $262,500. Features bamboo floors, quartz countertops, GE appliances, metal roofs, 9’ ceilings, front porches all wrapped up in a spectacular package with a community rain catchment system, community pavilion with fireplace & grill.

Contact Carol Schultz, Realtor® for More Information (210) 268-3691

www.LoneStarBoerne.com | 830.249.7979

Experience • Skill • Dedication